Usually it makes sense to have a separate credit card account and record all credit card transactions as withdrawals into it. At the end of the cycle that account will have some negative balance. As soon as you get a statement from the bank, it's a good idea to reconcile the transactions (mark all statement transactions in AceMoney as reconciled), write a check and record it as a transfer from checking account to the credit card account. If statement balance is paid in full, credit card account balance should be zero, unless you already recorded new transactions which are not included into the statement.